The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,560
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,759
−HK$1,219/mo
Today · 4.125%
HK$40,978
baseline
▲ 0.50% · 4.625%
HK$43,471
+HK$2,493/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,956/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,897
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,048
−HK$1,167/mo
Today · 4.125%
HK$45,215
baseline
▲ 0.50% · 4.625%
HK$47,598
+HK$2,383/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,430/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,272
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,711
−HK$1,463/mo
Today · 4.125%
HK$49,174
baseline
▲ 0.50% · 4.625%
HK$52,166
+HK$2,992/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$98,348/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,477
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,400/mo
Today · 4.125%
HK$54,258
baseline
▲ 0.50% · 4.625%
HK$57,118
+HK$2,860/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$108,516/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,984
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,663
−HK$1,706/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,860
+HK$3,491/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,056
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,667
−HK$1,634/mo
Today · 4.125%
HK$63,301
baseline
▲ 0.50% · 4.625%
HK$66,638
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,602/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,408
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,567
−HK$2,193/mo
Today · 4.125%
HK$73,760
baseline
▲ 0.50% · 4.625%
HK$78,248
+HK$4,488/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,520/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,215
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,286
−HK$2,101/mo
Today · 4.125%
HK$81,387
baseline
▲ 0.50% · 4.625%
HK$85,677
+HK$4,290/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,774/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,138 · Scale 2, in force from 26 Feb 2026)